Payday Loan Assistance Inc. out of Mobile, AL?

I just saw a website, don't they do payday loan settlement? I don't know if they are legit or not, but I know that there are some payday lenders who WILL NOT settle, so I wonder what their success rate is.

There is another company in Alabama called T & C (Town & Country Acceptance Corp) They consolidate payday loans, but it is debt consolidation. They don't settle the debt for a lesser amount. You pay them once a month, and they disburse funds to each of the payday lenders until the loans are paid off.

I've seen quite a few posts on here about them and all were positive.

Fine print according to them. They do not negotiate until you have accumulated enough in the escrow to call creditors. They take out their fees at the beginning. So not only 200 for the application, but of the 264...I have 79 in the account for use. They do not return the calls of the payday loan companies. I have several who have stated they called for 3 times a day 8 days in a row without a reply. PDL response was, "oh, they should push option 2 instead of 3. " Many of these companies are willing to work with you. The interest seems to have stopped on most and I am paying what I can for a small amount.

Use a local agency or try it on your own.

I just got screwed out of over 500 and that doesn't include the calls from the creditors.

Kelly

Please do not use PDL assistance. They are a scam. I paid them 200 dollars and they never did one thing for me to try to help me get out of debt. In fact, my creditors started filing lawsuits against and their response was "We can't do anything". Don't get screwed by this company like I did. I knew when they asked me to wire money to someone called Matt stabler, rather than a business, I was being suckered. :evil:

oK here is my pdl assistance story. I called them before I found this forum and I signed up with them. I paid the $200 enrollment fee and called them back within 48 hours because I changed my mind. I spoke with a very nice lady named Shirley, I explained to her that I changed my mind and wanted a refund and to please send it by check as I was closing the account they debited from. She was more than happy to help me and told me once they confirm my payment has posted it would take another 10 days to get the check to me, so far so good right? Well today they call me on my cell, I was at work so I did not get the guys name telling me I would not get a refund!!!!! I have to tell you I almost came unglued but then I regrouped and asked him if I could put the phone down for a minute as I was at work and I would be right back with him. I picked up my phone and told him knowing the situation I am in and needing your services to begin with I could not believe they in good conscience would keep my money when they have not done one thing for me and that Shirley assured me I would get my money back. Then I said if you keep my money I need to let you know I will be filing a claim with the BBB. All of a sudden he said Shirley had no right to tell me that but he believes she did so he would refund my money but he needed to know if I was still going to file with the BBB. I told him if I do not have my money in a resonable amount of time I would call back and find out if it was sent. If It was not sent then I will file a claim with the BBB.

You signed a contract for them to provide a service for you and after you paid the $200 enrollment fee you decide to cancel because you changed you mind. All settlement companies fees are typically non refundable. Why are they the bad buys when you change your mind after deciding to cancel 48 hours after paying them ? You certainly have the right to cancel and try and settle with the Pay day loan companies on your own but PDL Assistance didn't actually do any thing wrong from what I see.

All contracts carry a cancellation period and I called them in the aloted time frame. I never said they were bad, I was told two different stories. I called them before the $200 posted to my account but they were unable to stop the transaction on their end so they tell me. Why are you trying to make me sound like the bad guy? Have you not ever changed your mind about something or decided on another course of action? I was just relaying my experience with them simple as that.

Let me be clear I talked to them 48 hours before I set up payment. I called them the same day they were to withdrawal the funds to cancel but it was too late, they already sent it through. They also wanted me to call my bank and have it reversed they told me to tell my bank it was unauthorized this way I could get the refund faster than waiting for a check to be mailed!!! I told them I would not do that.

I certainly didn't try to paint you as the bad guy . All I am saying is that if you call any settlement company and try and cancel on the same day when your ACH payment is due and they can`t stop it why are they the bad guys. I have worked in the debt settlement industry for several years and I guarantee that no matter which settlement company " credit card or pay day loan settlement company or law firm " you were to choose requires in writing on the contracts that you give them several business days to change a payment date or cancel a payment to avoid issues like you said. Nobody is the bad guy in this situation , all I was trying to point out is that PDL Assistance did no wrong. You certainly have the right to change your mind but since you did it at the last minute instead of the several days before like the legally binding contracts you signed requested you do its not fair to them to refund you because you violated the terms of the contract. I am sorry if I hurt your feelings because again I wasn't trying to make you out the be a bad person or anything like that. I do wish you the best on your financial situation and hope that all works out. Perhaps you can settle these debts on your own instead of hiring a company. This site has tons of info on how to do so and you will save money in fees . :)

I am working hard to get things settled on my own, my feelings are not hurt thanks for your support and encouragement. With the help of this forum maybe some day I will be able to breathe again.

I have two Pay Day Loans and I am considering going with PDL Assistance, does anyone have anything good to say or are there any success stories with PDL Assistance.

PDL Assistance and Langhorne Debt Solutions are both good options if you don't want to try and settle the debt on your own. They both have F ratings with the BBB but that is not surprising since the BBB is biased towards debt settlement. The only concerns I have with Langehorne is the fact they ignored a couple of complaints brought to their attention with the BBB. PDL Assistance has more complaints with the BBB but it is a much larger company and all of them have been resolved. If you choose to have PDL Assistance help you instead of settling the debt on your own they are a good option.

is PDL assistance the same as payday loan debt assistance out of miami florida? i have been talking to them about payday loan consolidation. has anyone heard of them?

What do you mean by "much bigger" Mobile? Is there somewhere to look up statistics on how much debt these companies have settled or what kind of discounts they get for their clients so I can compare them?

you can use Google maps and look at street view for both companies. Langehorne is on a strip mall in a much smaller building. However just because Langhorne is a smaller company does not discredit them. They are both good settlement companies.

There is no such thing as non-refundable. If you do not provide a service you cannot keep someone's money. It is the law. You may sign a contract in agreement to a non-refundable deposit or fee, you can sign a contract that if you do not make a payment they can have your first born child. But it does not mean that it is legal or binding. It is a felony offence if $200 or more of someone's money was kept and a service was not provided. I would contact the BBB, and I would find out what county the business resides in and contact the District Attorney as well. Then you will get your money back. KNOW THE LAW, before you give advice. :smile:

Quote:

Payday Loan Assistance is a JOKE; don't use them. They do nothing but take your money. Nothing that you can't do for yourself and save hundreds of dollars, that is.

S-C-U-M-B-A-G-S

one of the previous questions wasnt answered and i'd like to know the answer to it. Is PDL assistance the same as payday loan assistance out of florida, and has anyone had a negative experience with the one in florida

I had reached out to this company awhile ago to see what type of options I had. I never wen through with the process after finding this website. I received a follow up email today asking if I wanted to proceed. I politely said no thanks I have taken care of it on my own with out any additional fees.
This was there reply:
your just the kind of person who takes information from companies to gain knowledge. Good luck because you still will be in debt like everyone else that steals information, what comes around goes around remember that. Next time dont waste people time just to get information that is a disgrace.

Don't you just love it!!!

Wow. The bad grammar is a pretty good give away too but the other claims are totally ridiculous. Information, unless it's proprietary, is free.

What an ass.

I replied that it was unprofessional and that he should be ashamed of himself. It won't make a difference to them, but it sure made me feel better.